Compare AAMI Health Insurance Extras Cover

What are the benefits of Extras Cover?

Our 4 Extras Cover products help with everyday healthcare costs not typically covered by Medicare, like visits to the dentist, optical, physiotherapy, chiropractic care and more. They cover a range of things you might need treatment for outside of a hospital, including natural therapies like remedial massage.

Use our Extras Cover comparison table to see exactly what’s included in each of the 4 products and how much you can claim back.

Claim 60% or 70% back on the cost of healthcare services not typically covered by Medicare, up to your annual limit

Choose treatment from any provider with professional qualifications recognised by the insurer

Comes with unlimited emergency ambulance cover

When switching to AAMI Health Insurance you won’t have to restart any waiting periods you’ve already served with your old fund when you sign up for the same level of cover with us.

Are there any waiting periods before I can make a claim?

Yes, but it depends on a) whether you’re switching to AAMI Health Insurance from another health fund and b) the treatment you’re seeking.

If you’re switching not only is it easy, but you won’t have to restart any waiting periods you’ve already served with your old fund when you sign up for the same level of cover with us. So you don’t have to start everything again from scratch.

If you’re new to health insurance or you’re adding cover for new services, use our comparison table below for details on the waiting periods that apply to each service with AAMI Health Insurance Extras Cover.

Does AAMI Health Insurance cover pre-existing conditions?

Yes. We do not classify any condition as pre-existing when claiming for Extras. All members are subject to the same waiting periods and refunds that apply to their choice of cover.

What's included with AAMI Health Insurance Extras Cover?

Depending on the AAMI Health Insurance Extras Cover product you choose, you’ll be able to claim back 60% or 70% of the cost of specific healthcare services until you reach your annual limit.

AAMI Health Insurance Extras Cover Comparison Table

What isn't covered?

What you are and aren't covered for depends largely on your choice of Extras Cover. As a general rule AAMI Health Insurance Extras does not cover

Treatments/services within waiting periods

Treatments marked by an X on our comparison page

Procedures that relate to Hospital Cover

New hospital and extras policy

Offer Ends 31 October 2018.

Public Hospital Waiting Lists

With private health insurance you won’t have to wait on public hospital waiting lists when you need treatment.In comparison, waiting times for treatment as a public patient in a public hospital under Medicare are on average:• 4 months for removal of tonsils (120 days)
• 1.5+ weeks for coronary bypass surgery (13 days)
• 3.5+ months for hip replacement surgery (114 days)
• 6+ months for knee replacement surgery (188 days)

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year.

Holding any AAMI Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Lifetime Health Cover (LHC) loading is a government charge which adds 2% on to the price you pay for Hospital Cover if you sign up after 30 June following your 31st birthday. The loading increases by 2% for every year you don’t join, up to a maximum of 70% and can only be removed after 10 years of continuous Hospital Cover.

For example, if you sign up at the age of 40 you’ll pay an extra 20% for your Hospital Cover compared to someone who joined aged 31.

12 months: Pregnancy and Birth Services; Pre-existing Conditions: When a customer has shown symptoms of a condition during the 6 months prior to joining this health fund or upgrading their Hospital Cover. This does not apply to Palliative Care, Rehabilitation or Psychiatric services.

Not all of the above services are included with each level of Health Insurance cover. Waiting periods apply to customers not currently covered for these services. Use our Health Insurance comparison table to see the complete list of included and excluded services.

Registered Office, Level 28, 266 George St, Brisbane QLD 4000. Information provided is general advice only and has been prepared without taking into account any person’s particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it’s appropriate for you before making any decisions about whether to buy or continue to hold a product. Information current as of 9 July 2015.